Jaylen Fuller is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has three years of industry experience. His prior roles include work at Performance Dynamics and Pulse Check Plus LLC, and he has been affiliated with T. Rowe Price since 2022. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, using proprietary mutual funds and ETFs within a goals-based framework supported by online tools and telephone access to advisors.

Linnea Cullings is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and having 17 years of industry experience. She has worked at T. Rowe Price from 2006 to 2018 and returned in 2019, with experience at David McCabe and Pruco Securities LLC during the same year. T. Rowe Price Advisory Services offers a retirement advisory program for individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm emphasizes tax-aware strategies and uses Monte Carlo simulations for retirement income projections.

Scott Levin is a CFP® professional with over 31 years of experience in the financial industry. He has been with Equity Services, Inc. and National Life of Vermont since 1994. Outside of his advisory work, Mr. Levin provides college planning seminars and assists parents with preparing for college expenses. Equity Services, Inc., dba ESI Financial Advisors, offers financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm combines long-term investment strategies with options for shorter-term trading and utilizes multiple advisory platforms, including third-party asset managers and model portfolios.

Jeffrey Burns is a CFP® professional with 21 years of industry experience and has been with T. Rowe Price Advisory Services, Inc. since 2016. Prior to joining T. Rowe Price, he held positions at Securian Capital of the Chesapeake, Minnesota Life Insurance Co, and Securian Financial Services Inc. Outside of his advisory role, he serves as Treasurer for Hanover Area Little League in Pennsylvania. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program that combines nondiscretionary financial planning with discretionary investment management, primarily utilizing proprietary mutual funds and ETFs. The firm serves individual investors and households, emphasizing model portfolio allocations and tax-aware strategies to meet clients’ retirement goals.

Constance Weil is a financial advisor with T. Rowe Price Advisory Services, Inc. She holds the Series 63 and Series 66 designations and has 33 years of industry experience. Weil has been with affiliated T. Rowe Price entities since 1992. Outside of her advisory work, she serves as secretary for Consult Your CFO, a non-investment-related business based in Sykesville, MD. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service to individual investors and households focused on retirement goals, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm manages portfolio allocations exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware rebalancing and tactical strategies, and delivers plans and ongoing reviews through an interactive online tool with telephone advisor support.

Tara Brummell is a CFP® with 11 years of experience in the financial services industry. She currently works at Truist Advisory Services and Truist Investment Services, having joined in 2022, and previously held roles at T. Rowe Price and Merrill. Outside of her advisory work, she serves on the Community Leadership Board for the Y in Central Maryland and is involved with the Maryland chapter of the Exit Planning Exchange. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a mix of discretionary and non-discretionary manager relationships and integrates third-party platform and manager arrangements to support client portfolios.

Suzanne Mchugh is a financial advisor with Empower Advisory Group in Laurel, MD, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Her career includes roles at Gwfs Equities, Inc., Rcm&D, Lockton Companies, LLC, and Lockton Financial Advisors, LLC, where she has served for over a decade. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with services for Empower Premier IRA and certain retail brokerage accounts. The firm delivers integrated financial planning and managed account solutions aligned with Empower’s recordkeeping and administrative platforms.

Victoria Lepore is a financial advisor at Janney Montgomery Scott with 36 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Janney since 2017. Prior to that, she was with Deutsche Bank Securities Inc. and Raymond James & Associates. Outside of her advisory role, she is a part-owner of Shore Fun LLC, which manages a condominium in Ocean City, Maryland for rental and family use. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, and institutional clients, offering brokerage, financial planning, consulting, and multiple advisory programs.

Bradley Schell is a CFP® with 17 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. and Raymond James Financial Services, Inc. from 2009 to 2026 before joining Concurrent Investment Advisors, LLC and Purshe Kaplan Sterling Investments in 2026. Outside of his advisory roles, he serves as an associate financial advisor through an independent contractor arrangement with Potomac Financial Group. Concurrent Investment Advisors, LLC is a multi-team SEC-registered advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm emphasizes customized, primarily long-term portfolios using ETFs, mutual funds, and other investment vehicles, supported by a network of approximately 286 advisors serving over 13,000 clients.

Jonathan Charles Paez is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 66 and Series 63 licenses and seven years of industry experience. He has been with T. Rowe Price since 2018 and previously worked at Allied Universal Security Services and Anne Arundel Medical Center. T. Rowe Price Advisory Services offers a retirement-focused advisory service combining goals-based financial planning, retirement income planning, and discretionary investment management for individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs and provides plans and ongoing reviews through an interactive online tool.

Gloria Makino is a Series 66-licensed financial advisor with Independent Financial Group, LLC and has two years of industry experience. Prior to her financial services career, she spent nearly three decades as a performing artist, working as a singer, actress, dancer, pianist, and teacher. She also operates Makino Financial, a DBA used for marketing purposes. Independent Financial Group, LLC provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth clients, trusts, and corporate and pension plans. The firm offers various portfolio management solutions and financial planning services, utilizing both firm- and third-party models tailored to client risk profiles.

Burton Daniel is a Series 66-credentialed financial advisor at Janney Montgomery Scott with 16 years of industry experience. He has worked at Janney Montgomery Scott since 2017 and was previously with Wells Fargo Clearing. Daniel serves as a board member on the finance committee of There Goes My Hero, a nonprofit supporting blood cancer patients and their families. He also consults on a baby clothing subscription business owned by his wife. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, estates, and institutional clients through a range of advisory programs, combining in-house and third-party portfolio management.

Danielle Schwandtner is a financial advisor with Benjamin F. Edwards & Company, Inc. She holds Series 63 and Series 66 licenses and has 13 years of industry experience, having previously worked at Wells Fargo Clearing and Merrill Lynch, Pierce, Fenner & Smith. Benjamin F. Edwards & Company is an integrated broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients through more than 500 advisors. The firm offers a range of services including advisory programs, financial planning, retirement and investment management consulting, brokerage services, insurance products, and M&A advisory, with investment solutions combining proprietary strategies and third-party models.

Brian Keeney is a CFP®-certified financial advisor at Beacon Pointe Advisors, LLC with two years of industry experience. He has worked at Beacon Pointe Advisors since 2024 and previously operated Keeney Financial Group. Outside of finance, he has experience in the hospitality industry and education. Beacon Pointe Advisors provides wealth advisory, financial planning, retirement-plan platform services, and outsourced chief investment officer solutions to individual and institutional clients. The firm employs a combination of active and passive investment strategies, utilizing third-party independent managers and proprietary private funds as part of its comprehensive portfolio management approach.

Martha Lord is a CFP® with 17 years of industry experience and is currently with Citizens Securities, Inc. since 2022. Her prior experience includes roles at USAA Financial Planning Services, RBC Capital Markets, and Truist Investment Services. Citizens Securities, Inc. serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory approach includes a digital advisory program with ETF-based portfolios managed via proprietary algorithms and a Managed Account program.

Zachary Reichenbach is a CFA® charterholder with experience at Kestra Advisory Services LLC since 2025. His prior roles include positions at Paradigm Forensics, LLC, Vallit Advisors, LLC, and Ellin & Tucker. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad mix of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves a diverse client base that includes sovereign wealth funds.

Tony Perry is a financial advisor with Truist Advisory Services in Olney, MD, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at various SunTrust entities since 2013 and has been self-employed since 2009. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and a manager-selection program, utilizing a blend of discretionary and non-discretionary strategies supported by third-party platforms and AI-enabled research tools.

Toni Whaley is a financial advisor with Planmember Securities Corporation in Elkridge, MD, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She is the owner and vice president of Paladin Advisor Group, a full-service financial planning practice, and serves as president of the Chartwell Business Park Association. Additionally, Whaley is president of the National Tax-Deferred Savings Association, focusing on advocacy and education for supplemental retirement savings plans. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach to manage risk-based mutual fund portfolios and offers education and support services to plan sponsors and participants.

Matthew Diehl is a financial advisor with TIAA-CREF in Columbia, MD, holding Series 63 and Series 66 licenses and having 15 years of industry experience. He has been with TIAA-CREF since 2014. Outside of his advisory role, he owns two rental properties. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected with TIAA-administered retirement plans, as well as trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time planning and ongoing portfolio management through various programs, including customized portfolio options managed under client-approved investment policies.

Michael Rouzer is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 66 and Series 63 credentials and six years of industry experience. He has worked at T. Rowe Price since 2019 and has prior experience with UPS and Artful Gourmet Bistro. T. Rowe Price Advisory Services offers a retirement-focused advisory program for individual investors and households that combines financial planning, retirement income strategies, and discretionary investment management using T. Rowe Price mutual funds and ETFs. The firm employs a model-based, tax-aware approach and provides clients with interactive online tools and annual plan reviews.